All the benefits of Original Medicare coverage plus extra coverage
Medicare Advantage plans from CDPHP give you all the benefits of Original Medicare, plus extra coverage for hearing, vision, dental, and more. Find a plan that works for you and your budget – including $0 premium plans.
Shopping for a 2025 Medicare Advantage plan? We’ve got those!
Read about HMO and PPO plans to see which type best fits your needs, then select your county from the dropdown list. Click View HMO Plans or View PPO Plans to see all the great benefits you can get with a 2025 CDPHP Medicare Advantage plan.
HMO or PPO – Which Medicare plan is best for you?
You’ve likely heard of HMOs (health maintenance organizations) and PPOs (preferred provider organizations). But do you understand what benefits each type of plan offers?
Choosing which plan is right for you is a big decision. Your answers to the questions below will help you find Medicare coverage that best fits your needs.
| I want a lower cost |
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HMO premiums and out-of-pocket costs are typically lower. Typically out-of-network services are not covered with the exception of urgent and emergency care while out of the area.
View HMO Plans
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| I spend extended periods of time away from home (3+ months) |
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PPO plans offer coverage for both in-network and out-of-network providers, so you’re covered both at home and while away.
View PPO Plans
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| I live in Western New York |
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CDPHP PPO plans offer a better choice in Medicare from a health plan based in New York State.
View PPO Plans in Western NY counties
(Allegany, Chemung, Monroe, Ontario, Schuyler, Steuben, and Yates)
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